How Big Is Farmers&Merchants Bk St Clai?
Farmers&Merchants Bk St Clai holds $338M in total assets and $297M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,025th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Farmers&Merchants Bk St Clai's latest FDIC call report (cert #14056); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Farmers&Merchants Bk St Clai?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Farmers&Merchants Bk St Clai Size at a Glance
- Total assets
- $338M
- Total deposits
- $297M
- Domestic deposits
- $297M
- Size class
- community bank
- Rank by assets
- #2,025 of 3,960
- Headquarters
- Saint Clair, Missouri
Source: FDIC Call Report data (cert #14056). Figures reflect the latest reported quarter.
With $338M in total assets, Farmers&Merchants Bk St Clai is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 2,025th-largest of the 3,960 FDIC-insured banks we track. The bank funds those assets largely with $297M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.68% | 100/100 |
| Nonperforming Loan Ratio | 0.01% | 100/100 |
| Liquidity Ratio | 28.40% | 94/100 |
| Return on Assets | 1.10% | 64/100 |
| Total Assets | $0.3B | |
How does Farmers&Merchants Bk St Clai compare?
With a Bank Health Score of 95/100, Farmers&Merchants Bk St Clai sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Missouri, where 193 FDIC-insured banks are headquartered, Farmers&Merchants Bk St Clai ranks above the state average of 67/100 (Grade B).
The bank's Tier 1 capital ratio of 16.68% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.01% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Farmers&Merchants Bk St Clai's Bank Health Score improved by 2.0 points to 95/100. Tier 1 capital weakened by 0.22 percentage points to 16.68%.
Frequently Asked Questions
Farmers&Merchants Bk St Clai holds $338M in total assets and $297M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,025th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Farmers&Merchants Bk St Clai's latest FDIC call report (cert #14056); it is a local community institution, with $100 million to $1 billion in assets.
Farmers&Merchants Bk St Clai ranks 2,025th by total assets out of the 3,960 FDIC-insured banks BankHealth tracks. Its $338M in assets classify it as a community bank.
Farmers&Merchants Bk St Clai reports $338M in total assets and $297M in total deposits ($297M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Farmers&Merchants Bk St Clai earns a Bank Health Score of 95/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $338M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Farmers&Merchants Bk St Clai (FDIC certificate #14056) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Farmers&Merchants Bk St Clai
Farmers&Merchants Bk St Clai holds $338M in total assets and $297M in deposits, making it a community bank by U.S. standards. By total assets it is the 2,025th-largest of the 3,960 FDIC-insured banks we track. Those figures come from Farmers&Merchants Bk St Clai's latest FDIC call report (cert #14056); it is a local community institution, with $100 million to $1 billion in assets.